car insurance policy booklet - .car insurance car insurance policy booklet october 2015

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  • Car Insurance

    Car Insurance Policy booklet

    October 2015

  • A warm welcome and thank you for choosing to insure your car through us. Our aim at AA Insurance Services is to combine value for money with peace of mind, making Car Insurance as straightforward as possible.

    Your policy booklet, Statement of Insurance and Certificate of Insurance (including any Endorsements) include everything you need to know about your Car Insurance cover. Alternatively, you can always contact our experienced customer service agents who are there to help you with all your Car Insurance needs.

    If youre unfortunate enough to have an accident regardless of fault, call us and our experienced claims staff will be there to guide and assist you through every step of the claims process.

    The AA is able to offer you more than just great deals on Car Insurance. If you want more information on our other products, we can help you. Either call us or visit our website on



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    Policy summary 5-6

    About your policy 7

    Summary of cover 7

    Definitions 8

    Your contract of insurance 9

    Insurance cover 9

    Section 1: Liability to others 9 Subsection 1: Your liability to other people 9 Subsection 2: Other peoples liability 9 Subsection 3: Protection on an insured persons estate 9 Subsection 4: Costs and expenses 9 Subsection 5: Driving other cars 10

    Section 2: Loss or Damage 10 Subsection 1: The Insured Car 10 Subsection 2: Replacement Car 10 Subsection 3: The Insured Cars audio, satellite navigation 11

    and/or communication equipment Subsection 4: Glass damage 11

    Section 3: Personal Belongings 12

    Section 4: Trailers 12

    Section 5: Injury to You and/or Your Partner 12

    Section 6: Medical Expenses 13

    Section 7: Emergency Treatment 13

    Section 8: Car Sharing 13

    Section 9: No Claim Discount 13

    Section 10: Travelling Abroad 14 Subsection 1: Compulsory Cover outside the Territorial Limits 14 Subsection 2: Full cover outside the Territorial Limits 14

    Section 11: Additional or Replacement Car 14

    Section 12: Lost or Stolen Keys 14

    Section 13: Child Car Seats 15

    Section 14: Overnight Accommodation or Onward Transport 15

  • Section 15: Uninsured Driver Promise 15

    Section 16: General Exclusions 15

    Section 17: General Conditions 16 Subsection 1: General 16 Subsection 2: Keeping your policy up to date 16 Subsection 3: Cancellation 17 Subsection 4: Making a claim 18 Subsection 5: Contract Law etc 18 Subsection 6: Financial sanctions 18

    Renewing your cover 19

    Customer services feedback and customer services helpline 19

    How to make a complaint 20

    If you need to make a claim 21

    Using your personal information 22

    Your electronic information 23


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    POLICY SUMMARYThis is a summary of the main features and benefits of this policy which is intended to provide you with basic details of your motor insurance contract. You will find your insurance cover type, who the car insurance is provided by and the dates the insurance is valid for on your Statement of Insurance. This summary is not a statement of the full terms and conditions of your policy, which can be found elsewhere in this policy booklet and which should be read in conjunction with your Statement of Insurance and your Certificate of Motor Insurance (including any Endorsements).

    In addition, please see specific endorsements which apply to your policy as some benefits sections may be restricted or excluded depending on your individual circumstances.

    Main features and benefitsFor cover applicable to Third Party Fire & Theft and Third Party only, see page 7 for a summary of cover.Section 1. Liability to OthersCovers your liability to other people as a result of an accident involving the insured car and other peoples liability as the result of an accident involving the insured car (up to 20 million for property damage and up to 5 million for costs and expenses).Section 2. Loss or DamageCovers loss or damage to the insured car by accidental damage, fire, theft or attempted theft. Covers damage to the insured car and its accessories up to their market value. When damage relates only to the breakage of the windscreen, sunroof or other windows your No Claims Discount will not normally be affected. Non-manufacturer fitted audio, satellite navigation and/or communication equipment up to 750 (1000 for AA Members).Section 3. Personal BelongingsLoss or damage to personal belongings up to 250 (500 for AA Members other than for portable satellite navigation equipment where the limit remains at 250) while they are in the insured car.Section 4. Damage to trailersApplies to any single axle trailer kept in a safe and roadworthy condition while attached to the insured car (subject to excess).Section 5. Injury to you or your partnerProvides up to 5,000 (7,500 for AA Members) cover for death or injury to you or your partner involving the insured car or while travelling in or getting out of any other private car.Section 6. Medical ExpensesMedical expenses up to 400 (500 for AA members) per person incurred by you or your passengers as a result of an accident involving the insured car.Section 7. Emergency TreatmentAny emergency treatment fees arising from an accident covered by this policy as required by the Road Traffic Act.Section 8. Car SharingCovers the use of the insured car as part of a car sharing arrangement for the carriage of passengers including if you accept payment, provided the total payments for the journey do not involve an element of profit and the passengers are not being carried in the course of a business of carrying passengers.Section 9. No Claim DiscountIf no claim has been made during the current insurance year, a discount to your renewal premium will be allowed in accordance with the Insurers No Claims Discount scale.Section 10. Travelling AbroadTemporary extension of full policy cover for up to 90 days is provided while the insured car is being used in any member country of the European Union and associated countries unless amended by endorsement. For full details see page 14.Section 11. Additional or Replacement CarAny change of car or acquisition of an additional car must be notified. No cover applies to the additional or replacement car until a Certificate of Motor Insurance or temporary cover note has been issued to you.Section 12. Replacement LocksUp to 1,000 for the cost of the vehicles replacement keys, lock transmitter or entry card for a keyless entry system and any associated locks or locking system. No Excess is applicable when making a claim under this section.Section 13. Child Car SeatsCost of replacement child seat or booster seat following an accident involving the insured car.Section 14. Overnight accommodation or onward transportUp to 300 per person (500 max for all occupants of the vehicle) towards travel costs or overnight accommodation if you are unable to continue your journey as a result of loss or damage to the insured car.

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    Section 15: Uninsured Driver PromiseYou will not have to pay an excess and you will not lose your no claim discount if your car is hit by an identified driver who is not insured, provided that we establish the accident was not your fault and you can give us the other vehicles make, model and valid registration number. Please refer to page 15 in this booklet for further details. The Uninsured Driver Promise is applicable to comprehensive policy holders only.Section 16. General ExclusionsPlease refer to page 15 of this Policy Booklet for details of general exclusions which apply.Section 17. General ConditionsPlease refer to page 16 of this Policy Booklet for details of general conditions which apply.The above sections are subject to terms and conditions. The increased benefits applicable to AA Members apply only if the Policyholder is an AA Member at the time of the incident.

    Are there any significant exclusions or limitations to this policy and where will I find them?This section states particular items not covered under your policy. For a full list of exclusions please refer to your policy booklet, see page 7 for a summary of cover.Cover is not provided for loss or damage:1. by deception by a purchaser or agent (Section 2);2. wear and tear or depreciation (Section 2);3. to the insured car arising from theft when the ignition keys, lock transmitter or entry card are left unattended in or

    on the insured car (Section 2);4. accidental injury or liability when the insured car is driven by a person who is not a permitted driver (Section 16).Note Third Party Fire and Theft: Section 2 only applies in respect of loss or damage caused directly by Fire or Theft.

    What if I change my mind about continuing with this policy?If you need to cancel your policy contact AA Insurance Services on 0344 412 4684.You will, for a period of 14 days from the date you receive your policy documentation or the date you enter into the contract (whichever is the later), have a right to cancel this policy and receive a refund (unless you have made a total-loss claim). This refund will be subject to a charge from your Insurer for the period of cover you have received, with a minimum charge of 15, and AAIS may retain its arrangement fee of 28. Where cover has not commenced prior to the end of this 14-day period, you will be entitled to a full refund of the premium you have paid and a full refund of any AAIS arrangement fee.Beyond the above period, you will still be entitled to cancel this policy, however further terms and conditions will apply in these circumstances. Full details of the action you need to take and the c


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